Insurance for septic installers and pumpers.

General liability with pollution coverage, auto for pump trucks, workers’ comp, and equipment coverage for crews who install, pump, inspect, and repair septic systems.

What septic contractors usually carry

General liability, $1M / $2M
Contractors pollution liability
Commercial auto, with pollution for the load
Workers’ comp
Excavators and equipment
Umbrella

Watch for these in a septic contractor’s policy

Sewage is a pollutantMost general liability policies treat sewage as a pollutant and exclude it. A spill in a yard or a backup into a basement needs contractors pollution liability.
The load in your pump truckThe standard auto policy excludes spills of what the truck is hauling. A pump truck needs the broadened pollution endorsement, or a spill on the road is yours to pay.
Disposal sitesPollution at the plant or land application site where you dump can come back to you years later. Many pollution policies cover disposal sites only if they are listed.
Drain fields that failA drain field that fails after install is a completed operations claim. General liability may pay for damage it causes, but not to dig up and redo your own work.

What builders and homeowners ask septic contractors for

Pollution liabilityBuilders and commercial clients ask for a pollution limit alongside general liability.
Auto liabilityA set minimum on pump trucks, with pollution coverage for the load.
Additional insuredBuilders ask to be named, for ongoing and completed operations.
Contractor bondSome counties and towns require one before you can install.

Questions septic contractors ask